跨境电商融资成本低至3.99%！深圳亚马逊卖家迎来普惠金融新机遇
跨境电商行业正迎来黄金发展期，据麦肯锡《中国跨境电商市场研究白皮书》显示，全球跨境电商交易额预计将从2016年的4千亿美元增长到2021年的1.25万亿美元，年增长率高达26%。亚马逊2020年销售额达3680亿美元，第三方卖家贡献了总收入的54%。
The cross-border e-commerce industry is ushering in a golden period of development. According to McKinsey's "China Cross-border E-commerce Market Research White Paper", global cross-border e-commerce transaction volume is expected to grow from $400 billion in 2016 to $1.25 trillion in 2021, with an annual growth rate of 26%. Amazon's sales in 2020 reached $368 billion, with third-party sellers contributing 54% of total revenue.
然而，资金问题始终是中小卖家的最大痛点。产品采购、物流运输、广告投放等环节都需要大量资金投入。特别是对于刚入行的新手卖家，动辄数万元的启动资金门槛让很多人望而却步。
However, capital issues remain the biggest pain point for small and medium sellers. Product procurement, logistics transportation, advertising and other links require a lot of capital investment. Especially for new sellers just entering the industry, the startup capital threshold of tens of thousands of yuan makes many people shy away.
创新金融解决方案：年化利率低至3.99%
Innovative Financial Solution: Annualized Interest Rate as Low as 3.99%
针对这一行业痛点，中国银行深圳市分行与金融科技公司豆沙包合作，推出了专为亚马逊卖家设计的"跨境电商普惠金融服务方案"。该方案具有以下显著优势：
To address this industry pain point, Bank of China Shenzhen Branch has partnered with fintech company Dowsure to launch a "Cross-border E-commerce Inclusive Financial Service Program" specifically designed for Amazon sellers. The program has the following significant advantages:
- 单个店铺最高可贷200万元
- 年化综合融资成本低至3.99%
- 最快3天完成审批
- 无需传统繁琐的授信材料
- Maximum loan of 2 million yuan per store
- Annualized comprehensive financing cost as low as 3.99%
- Approval completed in as fast as 3 days
- No need for traditional cumbersome credit materials
该方案基于亚马逊店铺经营数据进行建模，通过全链路资金管控，有效解决了跨境电商企业融资难、融资贵的问题。目前已有深圳卖家成功获得首笔纯信用贷款，金额80余万元，年融资成本仅为3.99%。
The program is based on Amazon store operating data modeling, through full-link capital control, effectively solving the problems of difficult and expensive financing for cross-border e-commerce enterprises. Currently, a Shenzhen seller has successfully obtained the first pure credit loan, with an amount of more than 800,000 yuan and an annual financing cost of only 3.99%.
行业专家评价
Industry Expert Evaluation
深圳市金融科技协会相关负责人表示："豆沙包作为湾区国际金融科技城入驻企业，一直深耕跨境电商行业，通过科技手段，不断打磨产品，与金融机构深度合作，为出口小微企业提供普惠金融服务。"
A relevant person in charge of Shenzhen Fintech Association said: "As a resident enterprise of Bay Area International Fintech City, Dowsure has been deeply cultivating the cross-border e-commerce industry, continuously refining products through technological means, and deeply cooperating with financial institutions to provide inclusive financial services for export-oriented small and micro enterprises."
亚马逊也表示："豆沙包为中国出口电商提供定制化、便捷化的融资解决方案。随着豆沙包成为卖家贷款计划的贷款推荐方，亚马逊为卖家提供了更多的贷款选择，帮助他们解决营运资金的需求。"
Amazon also said: "Dowsure provides customized and convenient financing solutions for Chinese export e-commerce. As Dowsure becomes a loan referral partner for the seller loan program, Amazon provides sellers with more loan options to help them meet their working capital needs."
在即将到来的亚马逊Prime Day前，豆沙包还将联合亚马逊推出优惠大礼包，助力卖家旺季备货。符合条件的卖家可在亚马逊卖家中心中收到邀请，按相关提示操作完成申请。
Before the upcoming Amazon Prime Day, Dowsure will also cooperate with Amazon to launch special offers to help sellers prepare for the peak season. Eligible sellers can receive invitations in the Amazon Seller Center and complete the application according to the relevant prompts.
